Klar Empresarial has broadened its 360 platform to include Personas Físicas con Actividad Empresarial, or PFAEs, a segment that also covers taxpayers under Mexico’s RESICO simplified trust regime. The expansion provides these independent professionals and small operators with access to business credit, corporate debit and credit cards, investment products, and cashback rewards. The announcement targets better liquidity and financial inclusion for a group that has historically operated without tailored corporate banking support.
The Scale of the Opportunity
Data from Mexico’s tax authority, the SAT, indicate that between 10 million and 12 million taxpayers are registered as PFAEs or under the RESICO regime. According to figures cited by Klar and originally reported by INEGI, this segment together with small and medium sized enterprises represents 99.8 percent of the national productive fabric. Yet many of these operators have faced structural disadvantages, including limited access to business credit lines and financial products that reward their ongoing operating expenses.
Inside the 360 Account
Klar Empresarial now offers corporate cards and a credit line that can be adjusted to the specific needs of each business. The platform also includes a 360 account that combines liquidity through credit, investment alternatives and a dedicated account for day to day operations. According to the company, this structure helps independent professionals and small businesses manage their financial activity within a single ecosystem without changing their current suppliers.
Cashback for Digital Advertising and Supplies
The cashback program returns up to 6 percent on digital advertising payments made through platforms such as Google Ads, Meta and TikTok Ads. Purchases of operational supplies at wholesale and office retailers, including Costco, Sam’s Club and Office Max, can earn 5 percent back. These rewards are designed to convert recurring business spending into operational margin and improved cash flow for smaller enterprises.
Travel and Software Reimbursements
Business travel and mobility expenses offer a cashback rate of 3 percent with services like Aeroméxico, Volaris, Uber and Airbnb. Essential business software subscriptions, including Google Workspace, AWS and Salesforce, receive a 2 percent return. The tiered structure reflects Klar’s focus on categories that matter most to independent professionals and small business operators.
Addressing a Historic Credit Gap
Daniel Benavides, Chief Revenue Officer of Klar, said that PFAEs have long driven Mexico’s economy while facing the same demands as formal companies but without financial tools made for them. He explained that unincorporated individuals have historically found it very difficult to access bank credit, a barrier that can slow their growth. The expanded platform is intended to close that gap by integrating the needs of individuals and small and medium businesses in one place.
Positioning for Long Term Small Business Support
Klar Empresarial frames the move as a way to level the competitive field for Mexican entrepreneurs and reduce friction in daily financial management. The platform seeks to help businesses continue working with their existing suppliers while extracting more value from each peso spent. Over time, the company expects the combination of credit, investment and rewards to support sustainability and accelerate growth for millions of PFAEs and small businesses.
The expansion of Klar Empresarial’s 360 platform represents a targeted response to a persistent gap in Mexico’s business finance market. By incorporating PFAEs and RESICO taxpayers, the company is aligning financial services with the needs of the country’s most common business structures. The initiative may set a precedent for how fintech platforms can serve high impact but underserved segments of the economy.